James River Group Holdings, Inc.
JRVR · Financials · Insurer · FY2025 filings ·
Scored by the financial-sector model
Insider activity
Form 4 reports mix P/S market or private transactions with compensation-plan mechanics. Activity casually described as “insider selling” can include compensation mechanics; awards, tax withholding, and option exercises are shown by their exact filed class here, never collapsed into “Bought” or “Sold.”
These are disclosed filing facts and arithmetic aggregates, not a signal or verdict.
The insider-filing service is temporarily unavailable, so no partial or guessed answer is shown for JRVR.
Visual explainers
The filing-backed explainer service is temporarily unavailable, so no partial or guessed chart is shown.
What the financial-sector model scores (insurer)
Median ROE 4.8% on average equity, above the 10% hurdle in 0% of 9 years.
Q3 scored 2 evidenced ratios equally.
Profitable in 70% of 10 years, ROE volatile.
Median loss ratio 74.3% of net earned premiums over 10 years through FY2025.
Not scored for this company
- Canonical split-adjusted share history is incomplete; no book-value trend claim is made.
- Net interest economics apply to banks and lenders; not part of the carrier model.
Scored 4 of 5 applicable components (underwriting carrier model); weights renormalized over the scored set.
Fundamentals
The 15-year revenue, margin, and ROIC series is built for the operating model’s lens and isn’t published for banks and insurers — a balance-sheet business is read through the components above, not through operating-company margins.
Financial-sector score history
| Reading | ||
|---|---|---|
| Aug 3, 2026 | 24 | |
| Jul 26, 2026 | 22 | |
| Jul 26, 2026 | 22 | |
Append-only — readings are added, never rewritten. Only readings on the same methodology version (moat-index-financials@1.0.0) are comparable; a change across versions is a scoring change, not a company event.